Satander advice

tomstickland

Hi there,
I left an account with zero balance.
Unfortunately fees for a small overdraft from the previous month were appplied a month later.
This then triggered various ovderdraft fees until it's reached £166 and I was first aware of this when a letter arrived demanding payment.

10/09/2012 DAILY UNARRANGED OVERDRAFT FEE £100.00 -£166.00
09/08/2012 DAILY UNARRANGED OVERDRAFT FEE £45.00 -£66.00
09/08/2012 DAILY ARRANGED OVERDRAFT FEE £1.00 -£21.00
10/07/2012 DAILY ARRANGED OVERDRAFT FEE £20.00 -£20.00

I called them today and they offered a £100 goodwill payment.

I didn't accept that and they've passed me onto another department (I'm not sure which). I read out some of this page: http://www.govanlc.com/bankcharges.html
I said that I'd rather escalate this if necessary rather than owe £66 to a bank when the true cost to them was going to be a few pounds at most.


What do you think I should do next?

DevCoder

Take the £100 goodwill gesture, the banks won the court case.

You also didnt notice for 2 months which explains the high fees.

tomstickland

OK. Thanks.

Intoodeep

I bank with santander, they give you enough notice of any charges, no sympathy whatsoever, the first charge on the 10th July will have been notified at least 10-14 days before the charge.

tomstickland

I'm not asking for sympathy. It's a dormant account which I didn't take too much notice of and had set to zero.
For whatever reason I wasn't aware of the first set of impending fees when I cleared it to zero.
I just want to close it all down and and i am prepared to acept a cost of some sort. I came here to ask for advice on the best way to do this.

ses6jwg

accept the £100 and write it off to experience.

make sure to close the account this time

tomstickland

Very helpful woman at Santander has done the goodwill payment, I've paid the difference and she's trying to waive a future charge so that it's all sorted and I can close it all.